So what are the different types of insurance? Do you need an insurance calculator to get a quote for a specific type of insurance? We have gathered a list of the most knowledgeable insurance sales agents from all over America. If you have a question, they have the answers.

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Travel insurance

Travel insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as "winter sports".

Coverage types

The most common risks that are covered by travel insurance are:

Medical/dental expenses

Emergency evacuation/Medical Air Evacuation/repatriation of remains

Return of a minor child

Trip cancellation/interruption

Accidental death, injury or disablement benefit

Overseas funeral expenses

Curtailment

Delayed departure, missed connection

Lost, stolen or damaged baggage, personal effects or travel documents

Delayed baggage (and emergency replacement of essential items)

Legal assistance

Trip Cancellation

Flight Connection was missed due to airline schedule

Travel Delays due to weather

Medical Emergency and hospital care (Accident or Sickness)

Optional coverage

Some travel policies will also provide cover for additional costs, although these vary widely between providers.

In addition, often separate insurance can be purchased for specific costs such as:

Car rental collision coverage

Pre-existing conditions (e.g. asthma, diabetes)

Sports with an element of risk (e.g. skiing, scuba diving)

Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)

Additional AD&D coverage

Kidnap and ransom insurance

3rd Party Supplier insolvency (e.g. the hotel or airline to which you made nonrefundable pre-payments has gone into administration)

Common exclusions

Pre-existing medical conditions

War or terrorism - but some plans may cover this risk, and some do cover for acts of terrorism

Injury or illness caused by alcohol or drug use

Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.